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County22nd of 227 in Texas by approvalsFIPS 48355
SBA loans in Nueces County, Texas
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 157 loans to businesses in Nueces County, Texas, in FY2021 to FY2025, worth $122M: 143 under 7(a) and 14 under 504.
That is 19.4 approvals per 1,000 business establishments (8,111 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 22nd of 227 Texas counties with approvals. In FY2025 there were 46, about level with FY2024.
51 lenders had approvals here; the most active were Northeast Bank (15), Capital Certified Development Corporation (10) and Readycap Lending, LLC (8). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Nueces County
By number of approvals to businesses in the county, FY2021–FY2025; 51 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Northeast BankLewiston, ME | 15 | $1.6M | 9.6% | |
| 2 | Capital Certified Development CorporationAustin, TX · CDC | 10 | $10.9M | 6.4% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 8 | $6.1M | 5.1% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 8 | $780K | 5.1% | |
| 5 | PNC Bank, National AssociationWilmington, DE | 7 | $4.0M | 4.5% | |
| 6 | Prosperity BankEl Campo, TX | 7 | $3.2M | 4.5% | |
| 7 | The Huntington National BankColumbus, OH | 7 | $2.5M | 4.5% | |
| 8 | United Midwest Savings Bank National AssociationDe Graff, OH | 7 | $1.5M | 4.5% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 7 | $1.0M | 4.5% | |
| 10 | PlainsCapital BankDallas, TX | 6 | $9.1M | 3.8% | |
| 11 | Capital Certified Development CorporationAustin, TX | 6 | $813K | 3.8% | |
| 12 | Mission Valley BankSun Valley, CA | 5 | $17.3M | 3.2% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 5 | $6.2M | 3.2% | |
| 14 | LiftFund, Inc.San Antonio, TX | 5 | $1.2M | 3.2% | |
| 15 | Live Oak Banking CompanyWilmington, NC | 4 | $3.2M | 2.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 20 | 12.7% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 7.6% | |
| 3 | Traveler AccommodationNAICS 7211 | 9 | 5.7% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 9 | 5.7% | |
| 5 | Other Amusement and Recreation IndustriesNAICS 7139 | 8 | 5.1% | |
| 6 | General Freight TruckingNAICS 4841 | 7 | 4.5% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 6 | 3.8% | |
| 8 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 6 | 3.8% | |
| 9 | Personal Care ServicesNAICS 8121 | 5 | 3.2% | |
| 10 | Drycleaning and Laundry ServicesNAICS 8123 | 4 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 32 | 20.4% | |
| 2 | Other Services (except Public Administration) | 25 | 15.9% | |
| 3 | Construction | 23 | 14.6% | |
| 4 | Transportation and Warehousing | 11 | 7.0% | |
| 5 | Health Care and Social Assistance | 10 | 6.4% | |
| 6 | Retail Trade | 10 | 6.4% | |
| 7 | Professional, Scientific, and Technical Services | 10 | 6.4% | |
| 8 | Arts, Entertainment, and Recreation | 9 | 5.7% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 12 | $8.5M | $377K | 4 | $5.7M | 16 | 142 |
| FY2025 | 42 | $37.6M | $238K | 4 | $2.6M | 46 | 665 |
| FY2024 | 42 | $28.3M | $225K | 2 | — | 44 | 604 |
| FY2023 | 22 | $13.5M | $312K | 4 | $8.1M | 26 | 255 |
| FY2022 | 14 | $10.4M | $350K | 3 | $5.5M | 17 | 232 |
| FY2021 | 23 | $14.0M | $390K | 1 | — | 24 | 178 |
| FY2020 | 19 | $15.4M | $270K | 2 | — | 21 | 234 |
| FY2019 | 24 | $17.8M | $150K | 2 | — | 26 | 198 |
| FY2018 | 21 | $12.2M | $435K | 0 | — | 21 | 137 |
| FY2017 | 25 | $16.6M | $150K | 1 | — | 26 | 219 |
| FY2016 | 41 | $20.7M | $150K | 3 | $5.3M | 44 | 789 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 138 approvals.
Against Texas and the country
| FY2021–FY2025 | Nueces County | Texas | United States |
|---|---|---|---|
| Approvals | 157 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 19.4 | 37.2 | 41.0 |
| Median 7(a) approval | $250K | $320K | $190K |
| Median 504 approval | $726K | $974K | $657K |
| Average approval | $777K | $770K | $573K |
| 504 share of approvals | 8.9% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 12.3 | 12.6 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less16.6%26
- $50,001 to $150,00021.7%34
- $150,001 to $350,00015.9%25
- $350,001 to $1 million22.9%36
- $1 million to $2 million11.5%18
- Over $2 million11.5%18
Age of the businesses
- Existing, more than 2 years old46.5%73
- New business, 2 years or less17.8%28
- Startup, loan funds will open the business24.2%38
- Change of ownership11.5%18
Questions and answers
Which lenders make the most SBA loans in Nueces County?
By approvals in FY2021 to FY2025: Northeast Bank (15), Capital Certified Development Corporation (10), Readycap Lending, LLC (8), Wells Fargo Bank National Association (8), PNC Bank, National Association (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Nueces County?
The median 7(a) approval was $250K and the median 504 approval $726K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Nueces County?
Restaurants and Other Eating Places (20); Automotive Repair and Maintenance (12); Traveler Accommodation (9); Building Equipment Contractors (9); Other Amusement and Recreation Industries (8).
Is SBA lending in Nueces County rising?
Approvals in the three latest complete fiscal years total 116, against 62 in the three before: rising (+87%).
How does Nueces County compare with the rest of Texas?
19.4 approvals per 1,000 establishments against 37.2 statewide, and 157 of the state's 24,935 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error